Consumer Rights and Protection Consumer rights and responsabilities explained in the Lectric Law Library. Fair Credit Billing Act (FCBA) The Fair Credit Billing Act (FCBA) is a United States federal law enacted as an amendment to the Truth in Lending Act (codified at 15 U.S.C.  1601 et seq.).
Galapagos Weather and Climate. The Galapagos Islands are on the equator and the climate does not vary dramatically over the year. The climate of the Islands can best be described as subtropical. There is, however, some variation driven mainly by the ocean currents. December to May can be best described as the warm season.
The clearer part of the year in Oranjestad begins around December 11 and lasts for 3.9 months, ending around April 6. On January 14, the clearest day of the year, the sky is clear, mostly clear, or partly cloudy 54% of the time, and overcast or mostly cloudy 46% of the time.